Axis Bank Magnus Credit Card vs HDFC Bank INFINIA Metal Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹12,500 + GST
₹12,500 + GST
Renewal Fee
₹12,500 + GST
₹12,500 + GST
Spend Based Waiver
Annual fee of ₹12,500 + Taxes waived on spending ₹25 Lakhs in the preceding year.
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees
Reduced mark-up fee of 2% on foreign transactions.
2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
3.0% per month (42.58% annually) on extended credit.
1.99% per month (23.8% annualized) on the due amount.
Rewards & Benefits
Welcome Bonus
Choose any one gift voucher worth INR 12,500 from Luxe, The Postcard Hotels, or Yatra.
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards Rate
Earn 12 EDGE RPs per ₹200 (up to ₹1.5L monthly); 35 RPs per ₹200 (above ₹1.5L). 60 RPs on Travel Edge (up to ₹2L).
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary visits to select airport lounges in India for primary and add-on cardholders.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited complimentary international lounge visits for primary cardholder with Priority Pass, plus 4 guest visits.
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel Benefits
Unlimited lounge access (domestic & intl), complimentary 3rd-night stay & upgrades at Oberoi/Trident Hotels.
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie Benefits
Not Applicable
Dining Benefits
Upto 30% discount (up to ₹500) at over 4000 restaurants across India via Axis Dining Delights.
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
4 complimentary green fees & 12 golf lessons per year for World Mastercard variant holders.
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver
1% fuel surcharge waiver (₹400-₹4000 transactions), max waiver ₹400 per month.
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
Credit Shield ₹5L, Purchase protection ₹2L, Credit Liability coverage, Lost/Delayed Baggage $500.
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
Nil (Interest charges applicable).
NIL, but interest charges are applicable from the date of cash advance.